in line is doug sipkin, senior analyst at susquehanna financial. they raised their dividend, but then we saw the stock trading down at some points in the premarket. what are people focusing on in the details? >> yeah, good morning. first off i would say the real earnings are $3.32 because there is a pretty sizeable loss on a gain on their own debt, so that's about 40 cents, so on that basis, they did $3.32, close to a 10% r.o.e. so pretty impressive quarter. i think the initial sell-off probably related to the fixed income trading business which was flat. i think probably seeing citigroup yesterday that was maybe a little bit greater expectation, but all in all, it's much better than expectations, and has probably some positive implications for estimate revisions. >> for estimate revisions for the rest of the year? >> yeah, into the fourth quarter, exactly, because september and october have clearly been a big improvement in the debt capital markets, which goldman is leveraged to. >> we noticed the expenses, $6.05 billion, they said it was 40% high